Overview
- NBKI reports December’s rejection rate at 81.9% versus 82.7% in November, a modest month-on-month improvement.
- The rate is 3.7 percentage points higher than December 2024’s 78.2%, signaling tougher screening year over year.
- Approvals remain very low as lenders restrict risk-taking under tighter rules on borrower debt burdens, NBKI says.
- Even applicants with strong credit scores face a 57% refusal rate, reflecting tighter underwriting.
- Regional disparities persist, from 83.7% denials in Kemerovo Oblast to 79.0% in Moscow and 79.4% in St. Petersburg.